Information on individuals behavior has never been so important and available thanks to the numerous data (big data) provided by the web and the power of computing and analysis (advanced analytics). Mastering data and analytics is now a competitive advantage giving rise to opportunities: optimizating existing operating models, breaking present value chains and building new business models.
Even if big data is potentially a threat for banking business models by lowering entry barriers and reducing information asymmetries, banks can nonetheless rely on strong assets such as numerous, secured and reliable data. What is at stake is building a performing, responsible and ethical use of personal data so as to supply customers with relevant and customized offers in a proactive way through the retail channel.
1 Source : Capgemini.
2 Étude CSA pour Orange 2014.
3 Fondateur et PDG de Skyrock, auteur de nombreux ouvrages et articles sur les développements technologiques liés au numérique.